They had 73 per cent of the ball in the first half, but could not make it count as Waikato ground them down, forcing errors. It was Joe Tauiwi Memorial player of the tournament Luke Masirewa who hauled Waikato back into the contest, scoring two fine tries, the first from 65m. Big Dylan Collier pounced on a loose lineout ball for the first of his double, while Declan O'Donnell also crossed for a double.
Waikato's victory impressed as they did not have access to their New Zealand guns Tim Mikkelson and Joe Webber.
North Harbour's form was scratchy but they emulated their 2014 side by winning the bowl, 26-21 over Manawatu, going into golden point extra time.
Counties Manukau were committed, and had just eight fit players for the semifinal, where the game ended with a borderline dangerous tackle by Wellington's Vaea Fifita on captain Sikeli Nabou.